Presentation at WebMontag Frankfurt "International", together with Phillipp Neub/awamo

1. Digitizing microfinance

2. About awamo
11-May-2015Webmontag Frankfurt Page 2
Frankfurt & Kampala (Uganda)
10+ years of Africa experience
Microfinance & credit rating experts
Our goal:
Creating opportunities through access to finance
ANJARWALLA & KHANNA
African Law Firm of the Year 2013
Sponsored by:

3. Prejudices and misconceptions …
11-May-2015Webmontag Frankfurt Page 3

4. … result in overseeing Africa’s potential
11-May-2015Webmontag Frankfurt Page 4

5. Typical associations with Africa
11-May-2015Webmontag Frankfurt Page 5
lack of skilled labor
diseases
poverty
corruption
warfare
terrorism
pirates

6. But there is more to it
11-May-2015Webmontag Frankfurt Page 6
promising demographics
leapfrogging technology
improving infrastructure
political stabilization
high GDP

7. Access to finance in sub-Saharan Africa
11-May-2015Webmontag Frankfurt Page 7
80% 15% 5%
Population coverage
banks & credit bureaus
Regulated vs. unregulated
financial institutions
Large portion of the population
excluded from formal financial services

8. Microfinance today
11-May-2015Webmontag Frankfurt Page 8
> 60%costs & risk
?

9. Microfinance tomorrow
11-May-2015Webmontag Frankfurt Page 9
Credit Reports
Front-EndBack-End
MIS/CRM system
Credit Data
2
3
Mobile Office (app)
1

10. Microfinance tomorrow
11-May-2015Webmontag Frankfurt Page 10

11. 11-May-2015Webmontag Frankfurt Page 11
Mifos-X will provide the
transactional core
Open Source platform for microfinance
• Available on GitHub
• Licensed under the Mozilla Public License
Active developer community
• Highly customizable
• Stateless UI and REST-based API
Key features
• Individual loans, group loans
• Savings accounts
• Basic CRM/KYC functionality
• Reporting functionality

12. 11-May-2015Webmontag Frankfurt Page 12
Technical overview: the platform
Enabling
Biometric
Identities
Scoring
Engine
Accounts Reports
Process Engine Integration
Mobile
Payment
External
Data Source
Mobile
Office (App)
Web
(MIS, CRM)

13. 11-May-2015Webmontag Frankfurt Page 13
Open Source Technologies will make
this project possible
Build on top of: … and we will add:

14. 11-May-2015Webmontag Frankfurt Page 14
The agile startup, ready to roll:
Remember – TIA (This is Africa)
Business processes
• Are defined and aligned with local needs
• Chief Product Officer with broad banking
experience
Software development
• Agile approach, SCRUM-based
• Adopt to new/changing customer
requirements
• Balance perfection and pragmatism
Operations and deployment
• Continuous delivery
• Asset-free hosting (cloud technology)

15. 11-May-2015Webmontag Frankfurt Page 15
Award winning team looking to expand
awamo.com/careersSponsored by:

16. Contact us
11-May-2015 Page 16
www.awamo.com
+49 162 2420 192
niedner.ext@awamo.com
sniedner
Philipp Neub
Chief Operating Officer
Co-Founder
+49 172 88 77 537
neub@awamo.com
philippneub
Dr. Sven Niedner
Senior ICT Consultant
Webmontag Frankfurt